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#1 of 29 Old 01-27-2013, 12:05 PM - Thread Starter
 
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I have cut all the areas I can think of, and we try to be super frugal, but I am still coming up short about $1000 per month! I need ideas for an extra source of income. DH works full time, I am part-time afternoons, but I have the kids all the time I am not working. So... what do you think? 


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#2 of 29 Old 01-27-2013, 01:11 PM
 
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I posted a thread almost exactly like this a few months back! (Here, if you want to read some of the suggestions I was given.)

The first thing that came to mind for you was taking in an extra child or two during the week, since you're taking care of your own kids anyway...

Can you post your budget?

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#3 of 29 Old 01-27-2013, 05:07 PM
 
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We were in a similar boat.  I have 3 children and I am currently working 2 part-time jobs.  Luckily I work from home and can make my own hours--I work evenings and weekends when the kids are either asleep or my DH can watch them.  And sometimes when the older 2 are in school my mom watches the baby so I can work.

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#4 of 29 Old 01-27-2013, 05:41 PM
 
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I have an Etsy shop. But it's hard to target and develop something that can sell reliably and I can't make enough of my toys to hit $1000 per month because I do not have the time. 

 

It sounds like you are close to maxed out since you are already working PT--depending on your kids' ages, your household responsibilities, and whether your kids are in school.  Child care can be one of the best options for moms, if you are able to keep your house presentable and comfortable for the visiting child/children and your schedule is a good fit. 


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#5 of 29 Old 01-27-2013, 06:06 PM - Thread Starter
 
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Thanks for the ideas and encouragement! I would love to take another kid or 2, unfortunately I am working 11 to 3 right now, so it kind of cuts up my day! I could ask around about after school maybe... 

Budget wise, we bring in about 3,000 a month between the two of us. Mortgage is $1200, groceries $300, Gas $150, Electric $160, Netflix $7, Phones and Internet $150, Car $102, Credit Cards $1000. That is what kills us. We have debt from building the house that we put on credit cards (I know, I know) and I would LOVE to magic that away! oh yeah, child care $95 (this is 3 days a week, grandmas watch her the other 2), student loans are deferred for now... I think that's pretty much it, so you see why I am thinking I need to increase income!

I have tried selling some household stuff that we don't use or have outgrown, and its nice to see it get used, but I havent been able to make any money doing it... 


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#6 of 29 Old 01-27-2013, 06:15 PM - Thread Starter
 
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Thanks for the link Crunchy_Mommy! What did you end up deciding to do? I hope things are working out for you all!


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#7 of 29 Old 01-27-2013, 07:45 PM
 
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Thanks for the link Crunchy_Mommy! What did you end up deciding to do? I hope things are working out for you all!

Thank you! My doctor put me back on disability so for now we are OK, getting just enough to get by. It will run out in a couple of months and I'm not sure what we'll do then if I'm still unable to work -- probably have to go on Medicaid or something since medical costs are what's eating up our budget.

It sounds like the credit card is what's killing you. I don't know a lot about cc debt but isn't there some way you can consolidate or get a low-interest loan instead or something?? I have no idea if that's possible! How much longer will you have to pay on it?

Definitely look into after-school care, or maybe someone needs some weekend help? I would say look for a weekend job cashiering or waitressing or something but I doubt you'd make even close to $1K doing that.

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#8 of 29 Old 01-27-2013, 07:52 PM
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Thanks for the ideas and encouragement! I would love to take another kid or 2, unfortunately I am working 11 to 3 right now, so it kind of cuts up my day! I could ask around about after school maybe... 

Budget wise, we bring in about 3,000 a month between the two of us. Mortgage is $1200, groceries $300, Gas $150, Electric $160, Netflix $7, Phones and Internet $150, Car $102, Credit Cards $1000. That is what kills us. We have debt from building the house that we put on credit cards (I know, I know) and I would LOVE to magic that away! oh yeah, child care $95 (this is 3 days a week, grandmas watch her the other 2), student loans are deferred for now... I think that's pretty much it, so you see why I am thinking I need to increase income!

I have tried selling some household stuff that we don't use or have outgrown, and its nice to see it get used, but I havent been able to make any money doing it... 

 

 Are you paying the minimums on your cards and it's still $1000 per month?  


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#9 of 29 Old 01-28-2013, 04:21 AM
 
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Your income looks quite low compared to your mortgage and bills.  Did you use to have a higher paying job?  I agree the trick should be to increase income.  Can DH take a second job or something? 


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#10 of 29 Old 01-28-2013, 04:55 AM
 
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You might also look into before school help. There is definitely a need around here for parents who have to leave for work an hour or two before kids go to school. I find this an easy time to watch kids as they are tired and mellow. The downside is that my own kids have to wake earlier. Good luck!
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#11 of 29 Old 01-28-2013, 05:34 AM - Thread Starter
 
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Thank you! My doctor put me back on disability so for now we are OK, getting just enough to get by. It will run out in a couple of months and I'm not sure what we'll do then if I'm still unable to work -- probably have to go on Medicaid or something since medical costs are what's eating up our budget.

It sounds like the credit card is what's killing you. I don't know a lot about cc debt but isn't there some way you can consolidate or get a low-interest loan instead or something?? I have no idea if that's possible! How much longer will you have to pay on it?

Definitely look into after-school care, or maybe someone needs some weekend help? I would say look for a weekend job cashiering or waitressing or something but I doubt you'd make even close to $1K doing that.

I hope you be able to go back to work soon! 

The credit card is awful. We had to charge a lot to finish the house, things the construction loan wouldnt cover but the inspector said "had" to be done to move it... We tried to get a home equity loan, but don't have enough equity yet to make it worth it. 


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#12 of 29 Old 01-28-2013, 05:34 AM - Thread Starter
 
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 Are you paying the minimums on your cards and it's still $1000 per month?  

Yep.


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#13 of 29 Old 01-28-2013, 05:35 AM - Thread Starter
 
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Your income looks quite low compared to your mortgage and bills.  Did you use to have a higher paying job?  I agree the trick should be to increase income.  Can DH take a second job or something? 

Yes. I am a teacher, and I was cut to 1/2 time this year. I have been looking for full-time, but the teaching positions are few and far between. Actually, all jobs are few and far between here!


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#14 of 29 Old 01-28-2013, 06:44 AM
 
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I have a teacher friend in CNY - not sure if your district has these opportunities (and I know ours have been cut, so there are less now then there were before) but ... She used to sign up for EVERY offered Teacher Development course in the summer time. Or she would teach it. These are paid positions, both as teacher and as "teacher particiapant".  So she earned extra money during the summer and it also upped her annual salary to the point where she couldn't take any more ... the more development courses she took, the more qualified and the more she went up the pay scale. I suppose since you are in the field you know about it...but its worth a shot.

  Summer school teacher, camp teacher?  Afterschool? Pet sitting / walker?  Perhaps a part time evening position, temporarily, to pay off the credit card (tim hortons, dunkin donuts?).

 

I hope something comes of it. Good luck


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#15 of 29 Old 01-28-2013, 07:45 AM
 
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Thanks for the ideas and encouragement! I would love to take another kid or 2, unfortunately I am working 11 to 3 right now, so it kind of cuts up my day! I could ask around about after school maybe... 

Budget wise, we bring in about 3,000 a month between the two of us. Mortgage is $1200, groceries $300, Gas $150, Electric $160, Netflix $7, Phones and Internet $150, Car $102, Credit Cards $1000. That is what kills us. We have debt from building the house that we put on credit cards (I know, I know) and I would LOVE to magic that away! oh yeah, child care $95 (this is 3 days a week, grandmas watch her the other 2), student loans are deferred for now... I think that's pretty much it, so you see why I am thinking I need to increase income!

I have tried selling some household stuff that we don't use or have outgrown, and its nice to see it get used, but I havent been able to make any money doing it... 

 

Can you change the mortgage payment from principle + interest to just interest? That might save you $300 or so per month.. Money that you can defer to the CC. How long do you have left on the CC @ $1000 per month?

 

As for jobs:

Paper/catalogue runs on the weekend

Baby sitting or after school care

Proof reading (for high school students)

Private tutoring


 

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#16 of 29 Old 01-28-2013, 08:29 AM
 
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Budget wise, we bring in about 3,000 a month between the two of us. Mortgage is $1200, groceries $300, Gas $150, Electric $160, Netflix $7, Phones and Internet $150, Car $102, Credit Cards $1000. That is what kills us. We have debt from building the house that we put on credit cards (I know, I know) and I would LOVE to magic that away! oh yeah, child care $95 (this is 3 days a week, grandmas watch her the other 2), student loans are deferred for now... I think that's pretty much it, so you see why I am thinking I need to increase income!

I have tried selling some household stuff that we don't use or have outgrown, and its nice to see it get used, but I havent been able to make any money doing it... 

 

Is this $3000 gross or net (amount paid, or amount taken home)?  Debt outside of mortgage is considered to be "too much"/ unsustainable starting around 20% of income.  Your credit card debt alone (I don't know how much your student loan debt is) is 33% of your income.  I think you've gotten some good short term ideas, but I also encourage you to look at your long term situation: do you expect to have a rapid increase in income within the next couple years (you moving to full-time work, advancement in career, etc...)?  The general minimum payment on credit cards at this point is 2% of balance--- you're looking at $50K of credit card debt on a salary smaller than that.  You might need to do something more extreme.  I'm sorry.


 

 

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#17 of 29 Old 01-28-2013, 09:05 AM
 
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OT a bit but do you qualify for student loan forgiveness? Or could you find a teaching job that would qualify you for that? I know the student loans are deferred anyway but might help to not have that hanging over your head in addition to everything else!

If you still have a lot left to pay on the credit card, and you truly can't find some other way to bring in enough money, perhaps bankruptcy is something to consider. OK maybe I'm jumping the gun... I guess there are other options that are less extreme. Perhaps a debt settlement agency could help negotiate that cc debt down to something more manageable. Maybe you can roll the balance over onto a zero-interest promo credit card. Have you consulted with a debt consolidation or credit counseling company?

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#18 of 29 Old 01-28-2013, 09:23 AM
 
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It sounds like you need something much more than short-term solutions (child care, weekend job, a few more hours at work, selling un-used household items, etc.) if you are going to survive.

 

According to what you posted, your income is $3000.  You are spending $2200 for your home--prior to home maintenance/repairs, utilities, etc.  That is 73% of what you're bringing in, which is simply unsustainable!

 

Can you sell the house?  It sounds like you had it custom-built, so selling the home would likely be gut-wrenching.  But, being out from under that pile of debt would be beneficial overall for the family.  Depending on the market in your area, it may also be worth considering renting the house to someone else while you move your own family into much cheaper accommodations to save and get yourselves back on your feet.

 

Good luck!

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#19 of 29 Old 01-28-2013, 09:47 AM
 
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I saw that you're bringing in 3000/month between the two of you and dh is working full-time. Can he look for a job with better pay?

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#20 of 29 Old 01-28-2013, 06:21 PM
 
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Have you considered quitting working outside the home and doing full time childcare?  Being a teacher would certainly be a draw for families.  It can seem daunting to get started with licensing, finding families, etc, but you could probably make a lot more than you currently do at your part time job, plus you'd save your own childcare expenses (you can also deduct a lot of household expenses at tax time).  I did in home childcare for several years, and it was a great way to stay home with my own kids.

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#21 of 29 Old 01-28-2013, 09:25 PM
 
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Since you are a teacher ... I was able to make more $$ subbing than working as a 'teacher'.  I couldn't get a FT teaching position but I was able to get on the subbing roster and there was work almost every day (I was a bit particular about what classes/ages I subbed for , If I didnt care I could've worked every day).   Just something to think about.

 

Also can you tutor   IDK what grades you teach but people around here are always looking for reading and math tutors as well as SAT/ACT tutors and college prep stuff.

 

As for subbing, if you cant get on the public school list, dont forget about charter schools private schools and places like that.    Also look at 'tutoring' at places like Kumon, etc.


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#22 of 29 Old 01-28-2013, 11:31 PM
 
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Two suggestions:

 

In my state, there is a serious need for respite providers for kids with developmental disabilities. Typically, it is for a weekend, paying hourly, for 24-48 hours. Adds up! Licensing process is minimal, and pay is better than most daycare. Need a spare bedroom if you are going to do overnights (my preference), but shorter babysitting is also welcome in my experience. Look into it through the state Department of Developmental Disabilities (may be called something else in your area).

 

Another idea is overnight "daycare" (nightcare?). An unmet need in some areas. My friend set up 2 cribs in her bedroom, advertized at local hospitals to the working mom single nurses, etc., and made a couple thousand a month. In my state, you don't need a daycare license if you accept the children of only one family, but check into local laws.
 


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#23 of 29 Old 01-29-2013, 03:55 PM - Thread Starter
 
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I have a teacher friend in CNY - not sure if your district has these opportunities (and I know ours have been cut, so there are less now then there were before) but ... She used to sign up for EVERY offered Teacher Development course in the summer time. Or she would teach it. These are paid positions, both as teacher and as "teacher particiapant".  So she earned extra money during the summer and it also upped her annual salary to the point where she couldn't take any more ... the more development courses she took, the more qualified and the more she went up the pay scale. I suppose since you are in the field you know about it...but its worth a shot.

  Summer school teacher, camp teacher?  Afterschool? Pet sitting / walker?  Perhaps a part time evening position, temporarily, to pay off the credit card (tim hortons, dunkin donuts?).

 

I hope something comes of it. Good luck

This is a good idea, but I don't think we do this here. I will look into it!


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#24 of 29 Old 01-29-2013, 03:58 PM - Thread Starter
 
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Is this $3000 gross or net (amount paid, or amount taken home)?  Debt outside of mortgage is considered to be "too much"/ unsustainable starting around 20% of income.  Your credit card debt alone (I don't know how much your student loan debt is) is 33% of your income.  I think you've gotten some good short term ideas, but I also encourage you to look at your long term situation: do you expect to have a rapid increase in income within the next couple years (you moving to full-time work, advancement in career, etc...)?  The general minimum payment on credit cards at this point is 2% of balance--- you're looking at $50K of credit card debt on a salary smaller than that.  You might need to do something more extreme.  I'm sorry.

Net. I realize that this is unbalanced. We are luck to have family that can help us out, etc, I am hopeful that I can go back to full time in the near future, but I realize that if not I may have to do something more long-term.


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#25 of 29 Old 01-29-2013, 04:00 PM - Thread Starter
 
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OT a bit but do you qualify for student loan forgiveness? Or could you find a teaching job that would qualify you for that? I know the student loans are deferred anyway but might help to not have that hanging over your head in addition to everything else!

If you still have a lot left to pay on the credit card, and you truly can't find some other way to bring in enough money, perhaps bankruptcy is something to consider. OK maybe I'm jumping the gun... I guess there are other options that are less extreme. Perhaps a debt settlement agency could help negotiate that cc debt down to something more manageable. Maybe you can roll the balance over onto a zero-interest promo credit card. Have you consulted with a debt consolidation or credit counseling company?

Tried the loan forgiveness. My earliest loan falls outside the perameters, so I wasn't eligible. boo. 

Not to the consolidation route yet, but it could happen....


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#26 of 29 Old 01-29-2013, 04:02 PM - Thread Starter
 
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It sounds like you need something much more than short-term solutions (child care, weekend job, a few more hours at work, selling un-used household items, etc.) if you are going to survive.

 

According to what you posted, your income is $3000.  You are spending $2200 for your home--prior to home maintenance/repairs, utilities, etc.  That is 73% of what you're bringing in, which is simply unsustainable!

 

Can you sell the house?  It sounds like you had it custom-built, so selling the home would likely be gut-wrenching.  But, being out from under that pile of debt would be beneficial overall for the family.  Depending on the market in your area, it may also be worth considering renting the house to someone else while you move your own family into much cheaper accommodations to save and get yourselves back on your feet.

 

Good luck!

Selling the house is not an option at this point. 


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#27 of 29 Old 01-29-2013, 04:04 PM - Thread Starter
 
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Have you considered quitting working outside the home and doing full time childcare?  Being a teacher would certainly be a draw for families.  It can seem daunting to get started with licensing, finding families, etc, but you could probably make a lot more than you currently do at your part time job, plus you'd save your own childcare expenses (you can also deduct a lot of household expenses at tax time).  I did in home childcare for several years, and it was a great way to stay home with my own kids.

 

This is an option, but I am involved with the local daycare center and it would be awkward to be in direct competition. 


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#28 of 29 Old 01-29-2013, 04:05 PM - Thread Starter
 
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Since you are a teacher ... I was able to make more $$ subbing than working as a 'teacher'.  I couldn't get a FT teaching position but I was able to get on the subbing roster and there was work almost every day (I was a bit particular about what classes/ages I subbed for , If I didnt care I could've worked every day).   Just something to think about.

 

Also can you tutor   IDK what grades you teach but people around here are always looking for reading and math tutors as well as SAT/ACT tutors and college prep stuff.

 

As for subbing, if you cant get on the public school list, dont forget about charter schools private schools and places like that.    Also look at 'tutoring' at places like Kumon, etc.

If I get laid off completely, this would work. Not a lot of people pay for tutors in this area, but I have done a bit of this...


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#29 of 29 Old 01-29-2013, 04:09 PM - Thread Starter
 
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Thanks everyone! I really appreciate all your input. I do have family resources that can help out if need be, and I am hopeful for increased work in the future, but I am really just looking for a stop gap measure. I will know by spring what the next year holds, but for now I am trying to find creative solutions to a depressed rural economy! Thanks!


Check out my new blog naturalfamilysteading.blogspot.com!
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